...just wont budge! Before filing for BK (6/2/02)...my score was 699...once my filing hit my reports (6/27/02)...it dropped to 634 (not bad considering). Since then...these are my increases and decreases: 5/12/02...632 9/17/02...630 Drop due to INQ for my apartment 9/19/02...628 Drop due to Capital One INQ 12/4/02...626 Drop due to INQ from Orchard 1/16/03...628 2/03/03...624 INQ from Providian & Target 3/15/03...622 If I didnt list a date...that means there was no change in between. I have been making payments on time on my student loan and Capital One but neither seem to make a difference in my score. I even paid my Cap1 card in full the first two months I had it...now I am carrying a balance and making on time more than the minimum payment. My Orchard & Providian have hit so I am hoping these will improve my scores. Can anyone else tell me why my scores just dont go anywhere??? And what I can do to make them go up?
>>Before filing for BK (6/2/02)...my score was 699...once my filing hit my reports (6/27/02)...it dropped to 634 (not bad considering). Not bad considering??? A 65 point hit for filing a BK is pretty lucky on your part. I would have expected at least 100 points.
Well, Cap 1 not reporting CL is certainly not helping to raise your score. I guess, just give it time and keep up the payments and you'll be fine. Check every 6 months and you'll some points. After 2-years, the scores really go up.
